Acordo Certo
“Can a debt-renegotiation marketplace become the default distribution channel for Brazilian credit recovery by embedding inside neobank and score apps?”
HQSão Paulo, Brazil
IndustryFintech / Lending
The story
Acordo Certo is a Brazilian debt renegotiation platform operating under Consumidor Positivo Ltda. (CNPJ 30.247.128/0001-15). Its core business is aggregating consumer debt from 45+ creditor partners (banks, retailers, telecoms, universities, securitizadoras) and letting consumers settle debts online with discounts up to 99%. In 2026 the platform extended distribution via Nubank's NuScore, embedding its debt-negotiation flow inside a neobank app.
Product timeline
2026
Integration with Nubank's NuScore feature allowing debt renegotiation directly from Nubank app· partnership
The stack
1 layer disclosed in Acordo Certo’s embedded-finance stack
Lending
Debt renegotiation marketplace (45+ creditor partners)Credit offer marketplace (loans and credit cards comparison)
Accounting gap: none